i think dz2k is trying to tell you the below answers to your 1,2,3,4 questions. Hopefully i'm not obfuscating !
1. Yes, somethng close to that. If you select TIVO, maybe you'll want to get a "lifetime subscription" TIVO.
Lifetime probably means "lifetime of the tivo", not *your* lifetime.
(if you select moxi, there's no 'lifetime subscription' nonsense, or monthly fee.)
2. by 'dvr/hd fee to tivo', he means that the $10 "HD technology fee" you previously paid to cable company would now go to TIVO , due to tivo charging you a never-ending monthly fee to use the hardware you bought from them. (Either that or you pay the upfront/extra 'lifetime' cost to TIVO.)
(if you select MOXI, there is no monthly HD-technology fee, nor is there any monthly fee to pay to the manufacturer.)
3. cable-card fee should be zero for the first cablecard, maybe the only one you need. Additional cablecards entail nonzero monthly rental cost.
4. Zero "HD-tier" package fee should have to be paid to the cable company. The only time you pay an "HD technology fee" to the cable company is if you rent an HD-capable device form them. Just select whatever TV package you prefer, don't pay any HD tech fee, and you will be able to view/record all the channels in HD. This would be true for both a moxi or tivo HD-DVR.
as you can probably tell, I like MOXI better than TIVO, even though new MOXI units are no longer for sale!